Being Harassed by a Debt Collector?
Debt Collection Harassment Lawyers
Baltimore Stop Debt Collection Harassment Lawyers
Are you receiving non-stop calls from a debt collector? Consumer debts such as personal loans, credit cards, medical bills and other household debts fall under the purview of the Fair Debt Collection Practices Act.
FDCPA
The Fair Debt Collection Practices Act governs the activities that debt collectors can or cannot engage in when working with consumers. It is important to note that the FDCPA only targets debt collectors seeking to collect debt they did not originate and/or own. Therefore, creditors collecting their own debt, through their own internal collections departments, may be exempt from the FDCPA. working with consumers. Business debts are not covered.
MFDCPA
Maryland also has a Maryland Fair Debt Collection Fair Practices Act and so do most states. The act prohibis the use or the threat to use use or violence, implying that a criminal prosecution could happen when it is not allowed by law or a threat to embarrass the debtor by disclosing information to to others. Similar to the FDCPA, the state act does not apply to banks, credit unions or mortgage lenders.
If you think you have a case, call for a free review 410-849-9529.
RIGHTS
Generally speaking the Act was aimed at stopping the absusive tactics that consumers were faced with before any regulations existed. The acts specifically warns debt collectors from employing harassing, oppressive, or abusive practices; making misleading or deceptive representations; and using unfair or unconscionable means to collect debts.
You also have a right to request a verfication of the debt to which a collector has 30 days to respond. You can also request that the debt collector cease all contact. For more data, see Consumer Rights under the FDCPA.
Do you think your rights have been violated by a debt collector, call a consumer rights lawyer at Joseph K. Githuku, LLC.
POTENTIAL DAMAGES AND LEGAL FEES
You have the right to sue a debt collector in both your local State or Federal courts for violates of the the FDCPA or your state’s statutes. Under the FDCPA, you are entitled to recover up to $1,000 plus any actual losses and legal fees.
Therefore, consumers who think they have a case should not hesitate to call a lawyer based on the ability to pay lawyer fees. The FDCPA like similar consumer protection statutes have a fee-shifting provisions that allows the consumer to request lawyer fees as part of the case. As a result, consumers do not have to pay anything, up front or at a later date, to file a claim.